[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_prac-23-019":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"credit_adv_prac","進階授信人員專業能力測驗——授信實務","c4",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"credit_adv_prac-23-019","23",19,"有關消費者貸款之特性，下列敘述何者錯誤？",[13,14,15,16],"每戶貸款金額小","不具自償性","採用逐案審核程序","逾放需整體考量",2,"消費者授信",1,"消費者貸款的授信對象是個人，件數龐大而單筆金額很小，若比照企業授信逐案深入徵信與審查，單位作業成本將高到無法承擔，因此普遍改採標準化申請書、信用評分模型與制式作業流程大量處理，僅例外案件才提報人工複審，故 (C) 敘述錯誤。(A) 正確，每戶金額小是消金最典型的特徵。(B) 正確，還款來源是借款人的薪資等固定收入，而非貸放資金本身創造的現金流，故不具自償性。(D) 正確，消金風險須以整批組合的逾放比與損失率來衡量並反映於訂價，單看個案沒有意義。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"credit_adv_prac-23-020","有關消費者貸款本息攤還方式，在利率不變之情況下，下列敘述何者正確？",20,{"id":28,"question":29,"qno":30},"credit_adv_prac-23-021","有關個人房屋貸款業務之投保事項，下列敘述何者正確？",21,{"id":32,"question":33,"qno":34},"credit_adv_prac-23-022","有關銀行辦理汽車貸款，下列敘述何者錯誤？",22,{"id":36,"question":37,"qno":38},"credit_adv_prac-23-023","下列何者為「逆向抵押貸款」？",23,{"id":40,"question":41,"qno":42},"credit_adv_prac-23-024","消費者貸款不符合核貸標準須再送往總行核貸者，如有超過成數規定、借款人信用有瑕疵等，稱之為何？",24,{"id":44,"question":45,"qno":10},"credit_adv_prac-24-019","依主管機關規定，有關信用卡業務之敘述，下列何者錯誤？",1785170290338]